When a firm considers purchasing a loan pool, it usually performs due diligence by hiring contract underwriters to manually evaluate pools of loans pre- and post-bid which can be slow, expensive, and risky because only "representative" loans are actually examined.

By partnering with the ARC Systems award-winning, web-based underwriting technology, you'll add the speed of automation and unparalleled accuracy to this process. LendTech® Investor examines every single loan in a pool, in just a few seconds each, including pulling credit, and incorporating other third-party information, such as automated valuation or risk models.

A report is generated stratifying the pool to determine credit grades, FICO drift, weighted average coupon (WAC), and weighted average maturity (WAM). A complete and accurate reflection of the loan pool in hours rather than weeks increases your productivity, lessens your risk, and decreases your costs.

With LendTech Investor you can rest assured that your purchase guidelines are working for you. ARC Systems' team of industry experts have created a computer replication of the human steps involved in underwriting. The core system is already built—we just use your purchase guidelines to fill in the missing pieces of the automated puzzle.

LendTech Investor features two major components: Matrix Qualification and Full Credit Decisioning.

Matrix Qualification

Since it provides insight into layered credit risk, the Matrix Qualification component improves the analysis of loan quality compared to the traditional approach of reviewing stratification reports. The system evaluates the loan pool and renders results containing the qualification status and detailed error messages for all programs under which the loan did not qualify.

Full Credit Decisioning

LendTech Investor parses credit report data using your decision-making criteria. The system evaluates the loans for eligibility based on more comprehensive and accurate information—giving you greater confidence in the credit decision. Loans selected from the automated underwriting reject sample are fully re-underwritten. The system also selects a random sample from the loans that pass underwriting to verify data integrity.

See It for Yourself

The best way to understand our capabilities is through a guided tour. Contact a business development representative to see a demo:
512-892-5550, or email demo@arcsystems.com